The declining housing market has left many Americans facing the possibility of losing their homes. California currently has one of the highest foreclosure rates in the country, with over one million foreclosure filings to date! In fact, California had the fourth highest foreclosure rate in the United States, with over 630,000 homes receiving a foreclosure filing in 2009, according to a year-end report by RealtyTrac.com. Santa Clara County is just one of the major areas being affected by our current housing crisis, with San Jose accounting for the majority of the foreclosures in the county. In fact, San Jose had over 1,450 new foreclosures in the December of 2009. If you are having financial difficulties and find yourself at risk for losing your home, call HomeStart to discuss the possibility of a loan modification before it is too late.

A loan modification is a change in one or more of the terms of your loan in order to make payments more affordable and ultimately keep you in your home. Loan modifications were originally reserved for those whose mortgages became delinquent due to job loss, divorce or illness, but today this option has expanded to include anyone suffering from high adjustable rate mortgages. If you are struggling to afford your mortgage payments, but have a tremendous interest in saving your home from foreclosure, go to www.YourHomestart.comto learn more about the loan modification process.

HOMEstart was honored as an A+ rated mortgage loan modification company by the Better Business Bureau.This A+ rating signifies the fact that HomeStart is operating in a trustworthy manner, and has never received a customer complaint. HomeStart is the only business in California with an A+ rating from the BBB in both loan modification and real estate loan modification. While the California DRE reported approximately 495,000 registered Real Estate and Mortgage Brokers in California in August 2009, only a mere 300 were licensed to perform mortgage loan modifications. We keep our A+ BBB rating by providing personal and dependable service to our clients. HomeStart provides free consultation to analyze your current situation so that together we can provide a workable solution that is acceptable to both you and your Lender.

Here is one recent example of a loan modification performed by HomeStart:

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